Natural Disaster Risk — ZIP Code 66514
Milford, Kansas
Risk Summary for ZIP 66514
ZIP 66514 scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 66514, Kansas
Located in the interior eastern United States, ZIP 66514 serves the Milford community. The semi-arid continental climate of this part of Kansas — bringing hot summers, cold winters, and exposure at the heart of Tornado Alley — directly shapes the hazard exposure for properties in this postal area.
ZIP 66514's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include ice storm and tornado.
Relative to other U.S. communities, ZIP 66514's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.2/10 state average. The hazard distribution here is led by winter and ice storm, as measured by FEMA across Kansas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 66514's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that winter exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 66514: Winter Weather preparedness
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
Risk for the surrounding area
Local Factors for ZIP 66514
These city-level factors differentiate ZIP 66514 from other communities in Kansas County and provide geographic context for its hazard exposure.
Population
1,350
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.4/10
Coordinates
39.1264° N, 96.8783° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 66514
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Kansas
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.